GENERAL INSURANCE BLOG

Theoretical and practical knowledge are like two parts of a scale, equally important to make a balanced driver. In recent years theoretical knowledge has been bashed on as ‘bookish’ and ‘old fashioned, and more emphasis is being given to practical lessons. While practical lessons impart a major chunk of knowledge, such as how to react to real-life situations on the road, theory imparts domain knowledge, forming the base of learning how to drive.

Driving instructors at reputed driving schools impart practical knowledge with a robust theoretical base, such as traffic laws and road signals. This makes you aware of the legal aspects and repercussions of disobeying specific rules and become a more knowledgeable driver.

This blog aims to convince you of the importance of theoretical knowledge while learning to drive.

1. Structure of a car:
It is only possible to know the complete anatomy of a car purely based on practical knowledge. Driving instructors usually introduce aspirants to various components of the car on the very first days of driving learning. This is to build a holistic understanding of the car to gain more confidence and learn how to respond to critical situations calmly. They teach you about the various parts of a car, including the brakes, clutch, car engine, fuel supply system, cooling system, lubrication, gears, battery, etc. This increases your understanding of the car so you can perform minor repairs independently without rushing to the mechanic.

2. Covers the legal aspects of driving:
Driving is a great responsibility for every person out on the road. Trainers let learners know the rules and regulations before they set out on the road. There are also a lot of legal requirements needed before driving on the roads, such as the registration process, the process of acquiring a driving licence, and getting acquainted with parking rules, traffic laws, car insurance documents, etc. Professional driving schools will also make learners aware of road hazards, road signs, and other aspects not covered in practical lessons.

3. Building confidence:
Although practical lessons provide real-life experience to the students, theoretical input gives them the confidence to take that first step into driving that many lack the courage to take. Experts in the field can communicate the basic theory to every student with special emphasis on questions posed by students, which will further clarify their doubts. This will give them the confidence to drive professionally in all traffic situations.

4. Good theoretical backing encourages being safe on roads:
Staying safe on the road is a conscious choice a citizen makes daily. Safety is the top priority, and this is emphasised by theoretical knowledge. Along with knowing the rules and regulations to follow on the road, they also double down on the legal implications of reckless driving, drunk driving, and other risky activities.

Managing a car in critical conditions, such as a punctured tyre, or the case of an accident, is the knowledge that is best learned theoretically. These are important aspects of driving that instructors emphasise and should be carefully absorbed by the students, as this information comes in handy at some point.

However, no matter how much training a driver goes through, they are bound to be stressed about the risks and complications of having road accidents. This is an important concern that should not be neglected. Car insurance is necessary for every car owner to remain calm in the event of an accident.

Click HERE to know more about car insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

All your bike's parts are crucial, but one of its most essential parts is the clutch. In addition to assisting you in changing gears, the clutch connects and disconnects the engine from the transmission. For a safe and comfortable riding experience, you must always ensure the clutch is working properly. Immediately take your bike to the closest garage if you notice any concerns so that they can be rectified.

But sometimes, it takes time to identify the issue. You might only be able to detect a failing clutch on a bike if you know a lot about how the bike and its components operate. It is always important to understand how to keep the bike's clutch in good condition.

We are here to help you with this concern! To maintain the clutch's optimal performance, consider these key points:

1. Proper lubrication of the chain:
Various motorcycle parts require lubrication to function efficiently. The clutch and chain are no exception. They need appropriate lubrication to be in their optimum working condition. If left unattended for too long, these can dry out and cause your bike’s gear to become rigid. The clutch faces significant damage, making it difficult for the rider to change the gear smoothly.
The only way to fix this issue is by regularly lubricating the chain and the clutch. Watch out for the amount of oil in the bike; if it appears low, then refill it to the appropriate level. Also, clean the chain thoroughly and later add lubrication to reduce friction.

2. Check the oil in the clutch:
The clutch needs lubrication, especially wet clutches like the ones on most high-end motorcycles and dirt bikes. The clutch oil does this to keep the clutch lubricated, control the friction, and to make it easy for the clutch plates to move. The oil also helps keep the clutch compartment cool, improving the clutch system's functioning and running the bike perfectly.

3. Sprockets:
Pull the chain away from the rear sprocket. Inspect the teeth for wear and rust. If you must replace the chain sprocket, see a professional. If you decide to replace it yourself, make sure you put everything back on the exact way you took it off.

4. Clutch cable:
Apply grease to the clutch cable stopper regularly to prevent cable breakage. In case you need to change the cable, you'll require tools, cable lube, and a new cable. To change it:

● Take off the flares and seats.

● Turn the adjuster screw down to get the clutch cable out of the clips.

● Take the cable off the handlebar as well as the engine.

● Take out the cable all the way.

● Grease up a new cable.

● Change it in the same way.

● Put the screws and covers back on.

Keep referring to these tips to spot the issues and know more about typical clutch faults and how to rectify them. Additionally, to keep your bike safe and protected from mishaps, you can purchase or renew bike insurance online if you have already had it. Remember that you can increase the longevity of your bike and ride it safely for years if you take good care of it.

Click HERE to renew bike insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Are you a pet lover who wants to take your pet dog out for an adventure? With pets becoming closer to hearts than ever before, it's understandable to take your puppy with you for a motorcycle ride. This idea no doubt excites all dog lovers, but can this endeavour be a safe thing to do?

Let's understand why taking your tailed friend on a bike ride cannot be a good idea even though you might feel like trying it.

1. Determining the best way to take your pup on the motorcycle:
Motorcycles are risky machines if not driven with care. Even some human beings are skittish on them; similarly, only some dogs will be comfortable on a bike. After checking with your vet about any health conditions that might be aggravated by your pup being on a bike, use all resources to learn about whether your furry friend can be on a bike or not.
Consider the personality and temperament of your dog, as well as its age. If your dog is prone to startling you by jumping at the nearby cat it saw, it is probably not a good idea to take it out on a ride.
Also, bikes were never designed to fit the purpose of pet travel. Although, several bikers find locations on the bike that seems perfect for lodging their pet dog. Understand that fuel tanks or handlebars are not the places to make your dog sit and ride with you. You might also think of attaching a side carrier, but know that sidecars or carriers are open, and what if your dog tries to escape from it midway?

2. Training it to be comfortable around and on a bike:
Most dogs are nervous around loud noises. You must have observed how your dog hides under the bed in the event of firecrackers bursting or thundering. Most motorcycles also have a startling sound that might scare your dog. Although, you can fix this by making your dog accustomed to the sounds and vibrations the bike produces. Still, even a slight discomfort or frustration during the ride can make things challenging. Your dog can get panicked and angry. This can be daunting for you to handle your dog and avoid any chaos on the road or disturb others.

3. Overloading the bike:
Bike journeys are always an adrenaline booster and a good stressbuster and travelling with your pet might elevate this to the next level. But what might seem an exciting thought might turn into a disaster due to the unpredictability of your dog's nature and the lurking possibility of an unexpected incident.
Also, you will have to plan everything your dog might require for the ride, such as its bowl, food, a leash, treats to keep it satiated, and a warm blanket in winter. Knowing that your bike can withstand a limited load and burdening it with your and your dog's essentials will impact the performance of your bike throughout the trip.

It is crucial to understand and accept that bikes are not dog-friendly machines. Building a strong bond with your pet is a nice gesture but not this way! This act can put several lives in danger.

Planning a bike trip with your pet might take a lot of effort, but you can live your passion for bike riding by frequently setting out on bike tours, either alone or with your other biker friends. But ensure that you have the safety gear and essential documents handy before planning your trip. Check out for your 2 wheeler insurance renewal or buy a new 2 wheeler insurance online if you don't have one. Making the right purchase will handcraft you a safer and more immersive riding experience!

Click HERE to know more about 2 wheeler insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Owning a business is a challenge, but with the right mindset and efforts, you can make the most out of it. Whether a small store in a quaint locality or a well-known brand with multiple branches, it takes time, capital, and decision-making to scale a business and generate profits. Irrespective of the nature and size of the business, an essential feature is customer service for its growth.

Whether a service provider or goods dealer, most of the business' work relates to relations with outsiders. Whether directly or indirectly, most businesses benefit from strong connections with suppliers, dealers, and customers. Since these stakeholders frequently visit your business premises, it is necessary to make your store safe.

Purchasing public liability insurance in India is a practical investment to prevent your business from shouldering the burden of injuries and damages to third persons on your business premises. Coupled with our tips to make your shop safe, you can guarantee the safety of customers visiting your office or store.

1. Security supervision systems:
Installing an effective and advanced security system is key to securing a store. This includes CCTV cameras outside to capture the exterior for any suspicious movement and abnormalities. Inside the store, these cameras should be placed at junctions to give a complete view of the shop. This prevents burglary attempts and also helps identify mishaps at the earliest.

2. Automated door and window sensors:
Automatic sensors on or near entry points like doors and windows are necessary to prevent unnoticed entry into the store. Additionally, they also help limit access to risky areas within the store. For example, specific storage space or cold room should be out of bounds for non-employees. The easiest way to ensure this policy is by setting up systems that instantly alert the proprietor.

3. Practical stocking of goods:
If you run a store dealing in goods, displays are essential to your store layout. If stocked improperly, customers risk getting injured due to falling goods. You must settle these cases at the earliest. Ensure your employees are well-trained to prevent such situations.

4. Hazardous goods in the store:
Depending on the nature of the business, you may have to store some hazardous substances like chemicals, manufacturing, or electrical parts intended for sale but of risky nature. It is essential to place them at a height that is not accessible to children. For added security, take cautionary notice around such goods to alert customers of potential risks.

5. Maintaining hygiene:
Keep your stores safe for customers. This includes regular cleaning to prevent slipping, sanitisation to avoid infectious diseases, and to provide a safe experience for them. Wherever required, ensure that anti-slip mats are placed and that any wet aisles have precautionary notice boards nearby.

6. Parking and storefront safety:
Parking areas and storefront space are also included within the limits of your place of business. While the above mentioned methods can keep customers safe inside the store, these external areas should also be accounted for. Ensure that the parking space is well-lit with clear directions. Wherever possible, use tactile pavements instead of smooth pavements or slopes to prevent customers from slipping in unfavourable weather conditions.

While there are some tips you can follow as extra precautionary methods to make your store safe for customers, the first thing you must consider is purchasing public liability insurance in India. It covers damages and injuries caused to a third-party or third-party property on the insured's business premises. It eliminates the liability on a business to compensate for accidental mishaps, which may take up huge bills. Public liability insurance in India is a valuable option that limits a business' liability to outsiders when damages happen by accident.

Practice these tips and make your shops a convenient and safe place for customers to enjoy shopping while being at peace. The better you serve your customers, the best outcomes you will get from your business.

Click HERE to buy public liability insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.